Discover Nemea

The modern pan-European bank

Nemea Bank is a modern pan-European provider of banking and investment services, serving a discerning, international client base of individuals, companies, institutions, public sector entities and high net worth individuals based in the 31 countries of the EU/EEA area.

Nemea is one of a small number of online-only banks. It does not operate any physical branches and is structured in a way that allows its clients to carry out all their banking needs in their own time, wherever they are. In essence, Nemea Bank is with you, everywhere.

The bank supports its clients in 6 languages:

The modern bank that breaks the paradigms of traditional banking

Nemea Bank is revolutionizing the way we bank by distributing its services exclusively online, providing superior accessibility, efficiency and convenience to its clients.

Nemea has a purely international approach to its business and breaks the paradigm of traditionally locally-oriented banking.

The bank’s services have been designed to serve the unique needs of the internationally-oriented individual, or the global citizen, and the companies and institutions related to such individuals.

Nemea’s banking services

Individual Clients

Corporate and Institutional Clients

A bank with Nordic roots

Nemea Bank plc is wholly owned by its parent holding company Nemea plc. The largest shareholder of Nemea plc is Nevestor SA, a European investment company based in Belgium.

The bank is ultimately owned by its founders Heikki Niemelä and Mika Lehto, both of whom are Finnish bankers.

Malta: a growing and developing EU Member State

Nemea Bank was founded in 2008, and is registered and domiciled in Malta.

Malta is a member of the European Union with a fast-growing financial services hub. As an EU Member State, Malta has a well-established democratic system of politics supported by strong judicial and public administrative systems.

Malta’s financial and economic environment has consistently ranked among the top EU Member States on all fronts. Malta closed 2015 with a GDP growth rate of 6.4%, a budget deficit of 1.5% and the fourth lowest unemployment rate in the EU (5.4%).

Malta’s domestic banks are renowned for being highly capitalized, profitable and liquid. Malta’s two largest domestic banks received a clean bill of health by the European Central Bank in late 2014 following rigorous year-long tests.

The highest standards in banking

Nemea Bank is subjected to EU banking regulation

Nemea Bank is EU-regulated as a banking and investment services provider by the MFSA - Malta Financial Services Authority.

Depositor Compensation Scheme

As a member of the Maltese Depositor Compensation Scheme, deposits up to €100,000 per client are protected by the Maltese Depositor Compensation Scheme, which is based on the EU Directive 94/19.

Audited by Deloitte

Nemea Bank is audited by Deloitte, one of the “Big Four” global audit firms. Deloitte is a global leader in the provision of audit, financial advisory, tax and risk management services and consultancy.

Learn more about client protection

Trusted all over the world

People from all over the world open new accounts with Nemea Bank everyday. As a fully integrated online bank, Nemea Bank is truly with you, everywhere.

Hot off the press

"Nemea is definitely not like other banks. It’s 100% online, but it is very user friendly and may be the easiest euro account to open remotely."

"Nemea Bank in Malta is another great new bank with a fully developed banking product, low on cost and very high on user experience… offer(ing) instant, free payments to other account holders."

"As an online bank, Nemea Bank is able to offer highly attractive rates throughout Europe due to its smart investment strategy and lean operations structure."

"... heureusement, un trouble-fête, nouveau venu, la banque maltaise Nemea Bank, qui, toujours pour le bon à 3 ans, propose un taux net de 2,63%. Enfin une offre correcte."

"4% sur un compte à terme à 5 ans? C’est ce qu’offre la banque maltaise en ligne Nemea, présente sur le marché belge depuis l’été dernier. La banque veut aussi se lancer dans les petits crédits à la consommation à partir du second semestre et offrir des cartes de débit avant la fin de cette année."

"Deposito Nemea Bank: Este es sin duda, el depósito más rentable que podemos conseguir en euros, garantizado por un fondo de garantía europeo hasta 100.000 euros por titular."

"La caída en picado de la rentabilidad de los depósitos españoles ha hecho que el ahorrador busque productos similares con altos intereses aunque, para ello, haya que trasladar los ahorros fuera de nuestras fronteras. Concretamente a Malta."

"Nemea irriteert de bankenreuzen. Het was een lachwekkend schouwspel. Er komt een nieuw, klein, onbekend spelertje op de bankenmarkt. Plots veranderen de gevestigde media, bankenreuzen en bankenlobby in konijnen die naar een lichtbak staren."

"Pankki erikoistuu globaalien, reaaliaikaisten ja ilmaisten rahansiirtojen tekemiseen. Kansainvälisiin rahansiirtoihin on kehitetty Nemea Instant Payment -palvelu, jonka avulla yksityishenkilöt voivat siirtää rahaa toisilleen."